Travel insurance can help in a range of circumstances, taking the financial stress out of a bad situation. For example, if you’re injured or become seriously ill while traveling, travel insurance will cover your medical costs. The exact level of cover will differ between policies, but some level of protection will always be in place.
A comprehensive policy will cover the costs of any ambulance transportation and emergency medical or dental treatment you receive. The expenses you incur as a result of a stay in hospital and ongoing medical treatment will also be covered, as will your medical repatriation back to your home country. In addition, if you have to cut your trip short due to illness, you’ll be able to recover the cash you have spent on deposits and bookings.
Many insurers offer 24-hour assistance lines that you can phone from anywhere in the world. These helplines ensure that you can access assistance whenever you need it. The staff are trained to help you find medical centers, consulates and embassies.
Whether you encounter a medical emergency, flight delays, lost luggage, stolen cash or an accident, travel insurance is essential when traveling to India. It is generally a very good idea to get travel insurance for your trip.
Some points to note when getting travel insurance:
- Some policies exclude potentially dangerous activities such as scuba diving, skiing, motorcycling, paragliding and even trekking; read the fine print. If you plan on doing these activities, make sure these are covered,
- If you plan on hiking in the Himalayas, or taking helicopter rides, travel insurance can be required. Some agents will only accept customers who have cover for emergency helicopter evacuation.
- Most insurance policies will require you to pay directly and then get reimbursed later. Be sure to retain all documentation, including medicines, cab fare to hospital, medical bills etc.
- In case of theft or loss of property, It’s crucial to get a police report in India. Ask help from your hotel reception staff in this regard, and they can navigate you through the process of getting one from the local police station.
- It is always a good idea to take photos of passports, visas, credit cards etc, and place them a password protected folder of a internet based drive (Google Drive, Dropbox etc). Also take photos of the serial numbers of camera, phones, and other valuables. These will help with the police report, and also in getting reimbursed from the travel insurance company.
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